What help is available? (Bavaria)

Hello If the plot should ideally cost €165,000 (incl. ENK), I don't think you will manage with a total of €450,000. And even with €450,000, after deducting your equity, there remains a loan amount of over €380,000. Since you are currently the sole earner (and that counts for banks now), you can forget about it with that income. Regards

The bank is irrelevant. If the district office approves the matter with the new factors, every bank will play along due to the lack of risk.

The funding is designed so that one can afford it if it is approved.

Only he will not be able to afford such a loan amount even with the help of subsidies on his income.

You don’t understand me. Then he won’t get the funding either.

The funding will be structured so that complete financing is feasible. Or there is simply no funding.

I see feasibility as very borderline but not necessarily impossible (without knowing all other factors). In addition, there is potential that may come into play and significantly ease the matter in the next few years.

Tight: yes. Very tight: also. Impossible: not necessarily.

For that, we simply know too little.

The feeling that it is getting very tight I have too! Well, I will just wait until November and see what develops!

Eng?

You are talking about the property price of a project of ~500,000€. 10-15% equity gets wasted, you need a loan of about 450,000€ with a current net salary of 2,200€... That is not tight, that is kamikaze and one can only fundamentally advise against it.